Cheapest Car Insurance Quotes in Peoria

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Peoria Car Insurance

^$ 49

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Peoria

The car insurance rate in Peoria is $1138 for a six-month policy, which is $205 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $572, making it a popular choice for budget-conscious drivers. Rates in Peoria can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Peoria

$1138

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Peoria

1st place: Root Insurance Company

At $572 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $754 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $789 for six months, making it the third cheapest auto insurance company in Peoria.

Peoria Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Peoria, AZ is Root Insurance Company, offering policies at just $572 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $754.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1326 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Peoria drivers find the best deals.

Cheap Car Insurance Companies in Peoria, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$572	$95
Auto-Owners Insurance Co	$754	$128
Farmers	$789	$132
Mercury	$811	$138
Hartford	$848	$142
Iowa Farm Bureau	$855	$145
Travelers	$906	$153
State Farm	$1138	$192
Progressive	$1174	$198
USAA	$1181	$199
Auto-Owners	$1269	$214
Allstate	$1363	$229
The Hartford	$1624	$271
CSAA	$2464	$418
Nationwide	$1326	$221

Key Takeaways

Way's key takeaways about car insurance in Peoria

The auto insurance costs in Peoria fall around $572 for six months.
The cheapest auto insurance company in Peoria is Mercury.
Teen drivers pay the highest rate in Peoria at $1072 per month.

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Cheapest Minimum Liability Car Insurance in Peoria

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Peoria are given below.

Mercury provides the cheapest minimum car insurance coverage in Peoria. Their Average 6 Month Premium is $290. Allstate is the most expensive at $508 for the same period.

Cheapest Liability Coverage in Peoria, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$290	$49
Travelers	$340	$57
Auto-Owners	$370	$62
Auto-Owners Insurance Co	$377	$65
Country Financial	$384	$63
USAA	$384	$65
Root Insurance Company	$392	$65
Farmers	$414	$71
Progressive	$421	$71
Iowa Farm Bureau	$434	$74
State Farm	$442	$74
Allstate	$508	$85

Cheapest Full Coverage Car Insurance in Peoria

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Peoria is Root Insurance Company at $95 per month and $572 for six months.

Cheapest Full Coverage Car Insurance Quotes in Peoria, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$572	$95
Auto-Owners Insurance Co	$754	$128
Farmers	$789	$132
Mercury	$811	$138
Hartford	$848	$142
Iowa Farm Bureau	$855	$145
Travelers	$906	$153
State Farm	$1138	$192
Progressive	$1174	$198
USAA	$1181	$199
Auto-Owners	$1269	$214
Allstate	$1363	$229
The Hartford	$1624	$271
CSAA	$2464	$418
Nationwide	$1326	$221

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Average Car Insurance in Peoria by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Peoria, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Peoria, Arizona, may be increasing due to several external factors. Arizona has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Peoria's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Peoria

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$658
40s	USAA	$599
50s	USAA	$567
60s	USAA	$583
70s	USAA	$689

Cheapest Car Insurance Rates for Teen Drivers in Peoria,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Peoria at $59 per month. At $6436 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$348	$59
Travelers	$348	$59
Root Insurance Company	$399	$68
Progressive	$414	$68
USAA	$421	$72
Country Financial	$449	$74
State Farm	$449	$76
Allstate	$508	$85
Farmers	$508	$87
Auto-Owners Insurance Co	$515	$85
Iowa Farm Bureau	$537	$92
Auto-Owners	$3044	$508
CSAA	$6436	$1072

Teen Car Insurance Rates in AZ by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Peoria.

As young drivers face the highest rates in Peoria, USAA offers the cheapest auto insurance rates at $658 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Peoria, Mercury is the cheapest car insurance provider. At $333 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Peoria is Hartford, offering rates of around $797 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$333	$56
Travelers	$421	$72
Root Insurance Company	$500	$83
Progressive	$508	$87
Country Financial	$537	$89
Farmers	$601	$102
Nationwide	$616	$102
Allstate	$688	$117
Iowa Farm Bureau	$783	$131
Hartford	$797	$135

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Car Insurance Rates with An Accident in Peoria

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Peoria, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Peoria

The cheapest car insurance companies after an at-fault accident in Peoria include Root Insurance Company and Country Financial, offering $493 and $500, respectively. CSAA is an expensive provider with an average six-month premium of $4000.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$493	$82
Country Financial	$500	$85
Auto-Owners Insurance Co	$587	$98
Travelers	$587	$99
State Farm	$783	$132
Noblr	$826	$140
Root	$899	$150
USAA	$949	$160
General Casualty	$1124	$187
Progressive	$1131	$190
Auto-Owners	$1609	$268
Farmers	$1659	$279
Mercury	$1725	$290
Allstate	$1760	$296
Farm Bureau Mutual (IA Group)	$1782	$298
Metromile	$2029	$345
General Agents Group	$2283	$381
Country	$2413	$410
The Hartford	$2558	$426
Encompass	$2623	$447
Nationwide	$2819	$470
Safeway	$3210	$545
Permanent General	$3471	$578
MetLife	$3956	$672
CSAA	$4000	$666

Peoria Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Peoria AZ. For example, the car insurance in Peoria after a DUI increases to $1472 for a six month policy. While the rate increases by $298 for a six-month policy in the case of a speeding ticket.

Peoria auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1427	$238
One Med/PIP claim	$1427	$243
Not-at-fault accident	$1435	$239
One comp claim	$1493	$254
Two Med/PIP claims	$1493	$249
Two comp claims	$1551	$264
Failure to wear a seat belt	$1631	$272
Child safety restraint	$1696	$288
Driving without lights	$1696	$283
Failure to show documents	$1696	$288
Speeding 6 - 10 MPH over limit	$1725	$288
Driving too slowly	$1790	$304
Speeding 11 - 15 MPH over limit	$1790	$299
Speeding in school zone	$1790	$304
Driving with expired registration	$1804	$301
Speeding 16 - 20 MPH over limit	$1804	$306
Cell phone violation	$1812	$303
Failure to stop at a red light	$1812	$309
Failure to yield	$1812	$303
Following too closely	$1812	$309
Illegal turn	$1812	$303
Texting while driving	$1812	$309
Wrong way/wrong lane	$1812	$303
Improper passing	$1841	$314
Speeding 21 - 25 MPH over limit	$1863	$310
In 65 MPH zone	$1891	$322
Passing school bus	$1913	$318
At-fault accident - less than $1000	$1964	$334
Operating a vehicle without permission	$2065	$344
At-fault accident - $1000-$2000	$2123	$361
At-fault accident - greater than $2000	$2152	$359
Open container	$2261	$384
Reckless driving	$2507	$418
Driving with a suspended license	$2588	$440
DUI	$2899	$483
Refusal to submit to a chemical test	$2899	$493
Racing	$2963	$494
Leaving scene of an accident/hit and run	$2978	$506

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Peoria after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Peoria.

The cheapest car insurance premiums in Peoria are offered by Mercury at $384 for a six-month policy. However, it can be as expensive as $2181 with companies like Nationwide.

Peoria car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$384	$66
Root Insurance Company	$434	$72
Country Financial	$544	$93
Travelers	$666	$112
Progressive	$673	$113
Hartford	$681	$113
State Farm	$717	$121
Farmers	$1094	$184
USAA	$1457	$245
Allstate	$2159	$360
Nationwide	$2181	$371

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Peoria are offered by AutoOwners Insurance Co at $377. However, it can be as expensive as $508 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Peoria after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$377	$65
State Farm	$384	$63
Travelers	$384	$66
Mercury	$414	$68
Progressive	$442	$76
Country Financial	$449	$74
Root Insurance Company	$493	$84
Farmers	$508	$84

Car Insurance Price Trends in Peoria, Arizona

Car insurance rates in Peoria have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Peoria rose by $148 in December compared to $144 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Peoria rose to $66 in December, compared to $63 in November. This represents an increase of $3 when comparing December and November.

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Average Car Insurance Cost in Peoria by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Peoria. At $1297 for a six-month policy, insuring your car at 85381 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
85381	$1297	$218
85345	$1502	$252
85382	$1388	$233
85383	$1491	$250

Frequently Asked Questions

How much is car insurance in Peoria?

The car insurance in Peoria is $49 per month, which is lower than the national average.

What is the cheapest car insurance in Peoria?

The cheapest car insurance in Peoria is $95 per month for full coverage.

How much is car insurance in Peoria for teenagers?

Car insurance for teenagers costs $348 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Peoria?

The average cost of car insurance is $933 for a six-month policy. It will cost around $192 per month to insure your car in Peoria.

Is car insurance expensive in Peoria?

Car insurance can be expensive in Peoria if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Peoria can be affordable.

What is the best car insurance in Peoria, AZ?

The best car insurance company in Peoria AZ is Root Insurance Company, offering $572 for a six-month policy.